In the end, the newest formula is sold with week by the census system fixed effects and you can lender by year-one-fourth fixed effects

In the end, the newest formula is sold with week by the census system fixed effects and you can lender by year-one-fourth fixed effects Part of the takeaway is the fact candidate age and you may financial app outcomes is synchronised because the loan providers will get imagine decades concerning the a relevant borrowing from the bank exposure foundation.